Denied CLI

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Centurion Member
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Joined: Wed Jul 09, 2014 5:55 pm
Location: San Jose CA

Postby yfan » Thu Jul 17, 2014 4:41 pm

I wouldn't worry about the denial too much if you are not actually putting that much money on your card. Ultimately, yes, debt-to-credit ratio matters but instead of trying to run up the credit limits, I'd concentrate on staying on top of your loan payments, which will help your score more and has the practical impact of getting you out of debt.

Like you, I have had my Amex a little over a year, was first approved with a $3K limit, which was auto-raised (I'm not sure when) to $5K, and last night I requested a CLI to $10K and was instantly approved. However, my Amex is a Costco True Earnings card - I get the feeling yours is a BCE? I don't know if the type of card makes a difference in terms of credit limit determination.

Platinum Member
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Joined: Tue Jun 24, 2014 2:44 pm
Location: Missouri

Postby attrapereves » Thu Jul 17, 2014 11:46 pm

Yes, BCE. In that case I will just try again in three months. I should have 1 or 2 inquiries that are dropping off by then.

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